If you have an existing AUB home loan, you could be paying more than necessary. Switching to a lower rate through Nook could save you over 4,850 pesos every single month.
AUB REFINANCE SAVINGS ESTIMATE
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Why this matters
Asia United Bank offers home loan products that many Filipino borrowers have used to finance their properties over the years. However, AUB's repricing rates — particularly after your initial lock-in period ends — may no longer be the most competitive option available to you. With the Philippine mortgage market evolving rapidly, current mortgage interest rates in the Philippines from other lenders can be significantly lower than what AUB is charging you today. Refinancing is simply the process of moving your remaining loan balance to a new bank at a better rate, and with Nook, the entire process is free for borrowers.
When your AUB home loan reprices — typically every one to five years depending on your original agreement — your monthly repayment can jump considerably. Many AUB borrowers find themselves on rates between 8% and 10% after their initial fixed period, which on a loan of 3,000,000 pesos means paying tens of thousands of pesos more than necessary each year. Nook works with leading Philippine banks including BDO, BPI, Security Bank, RCBC, and others to find you the lowest available rate. The best rate currently available through Nook is 5.99% per annum — a substantial difference from what most AUB borrowers are currently paying.
The refinancing process with Nook typically takes four to eight weeks from application to loan release, and our mortgage specialists handle the paperwork and bank coordination on your behalf at absolutely no cost to you. Whether your AUB loan is approaching its next repricing date or you are already on a high variable rate, now is a good time to review your options. You simply submit your details once, and Nook compares offers from multiple banks to find the best deal for your specific situation and property.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
Yes, absolutely. Refinancing from AUB to another bank is a straightforward process where your new lender pays off your remaining AUB balance and issues you a new loan at a lower interest rate. There are no restrictions preventing you from switching lenders as long as your loan is not within a lock-in period that carries prepayment penalties — your AUB loan documents will specify if this applies to you.
The lowest refinancing rate currently available through Nook is 5.99% per annum, offered by select partner banks subject to credit assessment and property appraisal. This is typically a fixed rate for an initial period of one to five years, after which the loan reprices to a prevailing rate. Nook will show you all available offers so you can compare fixed periods, repricing terms, and total cost before committing.
Nook's service is 100% free to borrowers — we are compensated by the bank that wins your business, not by you. However, refinancing does involve standard third-party costs such as property appraisal fees, mortgage registration fees, and documentary stamp tax, which are typically borne by the borrower and can range from 30,000 to 80,000 pesos depending on your loan amount. These one-time costs are usually recovered within a few months of lower monthly payments.
The typical refinancing timeline from submitting your application to receiving loan proceeds is four to eight weeks, though this can vary depending on how quickly documents are gathered and the processing speed of your chosen new lender. Nook's mortgage specialists guide you through every step, including preparing requirements, coordinating with the new bank, and handling the AUB loan redemption. Most borrowers find the process far simpler than their original home loan application.
To get started with Nook, you generally need your latest AUB loan statement of account, a copy of your Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), proof of income such as payslips or ITR, and valid government-issued ID. Requirements vary slightly between receiving banks, and Nook will provide you with a complete, bank-specific checklist once we identify the best offer for you — you can also see a sample of typical bank requirements to get a head start on document preparation.
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